1. Annual Income: around RM36K to RM50k

2. Free Lifetime Annual Fee: if 12 swipes to waive im ok too.

3. Card required for: petrol, online purchase, retail purchase, restaurant dining, cinema

4. Existing credit cards (if any): Maybank 2 VISA/AMEX, HSBC AMANAH

5. Interested in CC from: Any bank will do as long as they can fulfill my wish.

6. Others:
1) Need to make installment for 12 or 24 months if possible.
2) Would be best if got airport lounge access. not a must.

hi, sorry i know i asked before here where my requirements for a CC is cashback

but now i am looking for reward points instead.

so here are my new requirements.. i do hope you guys will be able to recommend me a good one
1. Annual Income: -

2. Free Lifetime Annual Fee: Must, but if lets say the bank offers XX swipe per year then its waived (thats fine too because i'll definitely be swiping more than 15-20 times)

3. Card required for: Online shopping, petrol, groceries, miscellaneous shopping -> clothing, gadgets, literally anything applicable for swiping

4. Existing credit cards (if any): CIMB Cash Rebate

5. Interested in CC from: Unsure, any recommendation?

6. Others: having the most reward points offered for the required spending listed above. also if possible. able to support Samsung Pay? as it will be nice to gain points in SPay as well..
thanks again guys!

Q: Which card collect points are the best for large purchase which cannot use AMEX?
Thanks!

I'll check it out in Abit

Looking for cashback cards
1. Annual Income:

2. Free Lifetime Annual Fee: yes or waive-able

3. Card required for: online shopping, groceries, petrol, phone bill, makan2

4. Existing credit cards (if any): HLB wise, PBB signature and other non cashback

5. Interested in CC from: whatever if possible not HSBC coz they suck balls

6. Others: looking primarily for online cashback. For lazada, shopee, utilities bill etc pb sig, cash out max rm50 every month when i spend more online.

SCB JustOne Platinum MasterCard Credit Card
for Petrol, eCommerce & Auto billing (Utilities Bill, Insurance via Auto Debit), EZ Fee Waiver with jz Call CS request an AF Waiver


Maybank 2 Cards
* 5x Treats-Points for every Ringgit spent on Maybankard 2 Amex and 1x Treats Point on MasterCard / Visa Card Maybankard 2 Card.
* 5% Weekend Cashback when spend on Maybank2 Amex, CB capped at RM50 / month.
Basically, Anything you spend on Weekends with MBB 2 Amex will earn You 5% Cash Back

Maybank FC Barcelona Visa Signature
* Lifetime Fee Waiver
* 2% Cash back for ALL purchases all year long (except May and August) and capped at maximum of RM 50 per month.
* 10% Cash back for all purchases made in the month of May (football season ends) &, August (football season begins) and capped at max. of RM 100 during the specified month.
http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards

AmBank VISA Infinite Card /AmBank World MasterCard
• 5X AmBonus Points for overseas spend. The reward of 5X AmBonus Points is only applicable to card transactions outside Malaysia.
• All online transactions are not entitled to 5X AmBonus Points regardless the country the Cardmember is in.
• Free-For-Life, NO conditions attached
• Unlimited lounge access on condition* - with Min spend* of RM500 within 30 days before and/or 30 days after each lounge access https://www.ambank.com.my/ambank/Documents/...umLoungeTnC.pdf
• Complimentary Hilton Premium Club Membership Card
(Note: Membership is automatically renewed annually with just a min retail usage of RM30,000)
• Air Miles Frequent Flyer / Travel Reward Programs (Note: 5,000 AmBonus points = 1,000 Air Miles)
https://www.ambank.com.my/ambank/Documents/...stofAirport.pdf

Looking for cashback cards & airport premier lounge card

1. Annual Income: 155K up

2. Free Lifetime Annual Fee: yes or waive-able

3. Card required for: groceries, petrol, utilities bill

4. Existing credit cards (if any): PBB signature, Citibank Reward Signature, Citibank Cash Back and HSBC Signature

5. Interested in CC from: best comes with good cash back and airport premier lounge access

6. Others:

Looking for cashback cards & airport premier lounge card

1. Annual Income: 155K up

2. Free Lifetime Annual Fee: yes or waive-able

3. Card required for: groceries, petrol, utilities bill

4. Existing credit cards (if any): PBB signature, Citibank Reward Signature, Citibank Cash Back and HSBC Signature

5. Interested in CC from: best comes with good cash back and airport premier lounge access

6. Others:

Seeking out to change 2018 card list, plan to keep minimal count of credit card as possible

1. Annual Income: -

2. Free Lifetime Annual Fee: Optional or combo with bank offers Y amount of swipe per year then its waived

3. Card required for: Utility Bill payment, Monthly/ Quarterly/ Annual  Insurance for life  & car ,Online shopping, petrol, dining [card can be accepted for non halal as well better]

4. Existing credit cards (if any): Visa Ikhwan Petronas [ Currently use for petrol], Mastercard Ikhwan, UOB One Plat

5. Interested in CC from: Unsure, any recommendation?

6. Others: looking forward for recommendation on which card to cancel and replace with new application. My opinion is to cancel the Mastercard Ikhwan and UOB one Plat?. Bonus would be have  airport premiere lounge.

PBB Quantum 2Cards
Quantum MC -   5% Cash Back on Online & Dining transactions, capped at RM30 per monthly statement cycle equivalent to RM600 spend.
Quantum Visa - 5% Cash Back on Entertainment & Departmental Stores transactions, capped at RM30 per monthly statement cycle equivalent to RM600 spend.

SCB JustOne Platinum MasterCard Credit Card
for Petrol, eCommerce & Auto billing (Utilities Bill, Insurance via Auto Debit), EZ Fee Waiver with jz Call CS request an AF Waiver

Hey thanks for the info, appreciate it much.
Further queries
Does PBB can compressed into 1 card? i was browsing through PBB Visa Signature too right? any other alternatives other than Std Chart?

PBB Quantums are 2 individual cards with sperate Cash Back

PBB Quantums are 2 individual cards with sperate Cash Back

PBB Visa Signature
6% Cash Back on Grocery, Dining and Online Transaction, 6% Cash Rebate is capped at RM38 per month per principal account equivalent to RM633.33 spend

Beside SCB jz One,  U may Consider also MBB FC Barcelona VS or MBB 2 cards.

Hi Bro,
if i apply from the web below, it just show PBB Quantum Visa. Is it if I apply I straight get 2 cards? Sorry for noob question.

https://ringgitplus.com/en/credit-card/

1. Annual Income: -

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Cash Back/Rebate, Insurance, Dining, Mics Shopping

4. Existing credit cards (if any): Shell-Citi, Citi Gold

5. Interested in CC from: AmBank or the suggested one

6. Others: I want cash back only and no reward points

Thanks in advance.